401k Tax Analyzer™
Retirement Income Tax Planning with
401k Tax Analyzer™
You worked hard to build your savings. Now the question is how to take income in a way that lasts. If retirement is close or already here, smart timing matters. Our premium Retirement Income Tax Planning uses the 401k Tax Analyzer™ to build a clear, multi-year income plan focused on your tax-deferred accounts such as 401(k) and traditional IRA. We map what to take, when to take it, and why the timing helps you keep more of what you saved, with plain-English guidance on RMDs, Roth conversions, and Social Security coordination.
Who this is for
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About to retire or newly retired
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Ages roughly 59 to 75
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Have tax-deferred balances and want a plan for the order and timing of withdrawals
What you will get:
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A written, multi-year roadmap for tax-efficient withdrawals from 401(k) and traditional IRA
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Guidance on Roth conversion windows, RMD timing, and Social Security coordination
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Awareness of Medicare IRMAA thresholds and simple records to keep
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A one-on-one session to walk through your plan with next steps and dates
How it works:
1. Intake
Short questionnaire and recent returns. We gather balances and expected income.
2. Analysis with 401k Tax Analyzer™
We model timing choices, compare scenarios, and explain the tradeoffs in plain English.
3. Plan delivery and follow-through
You receive your roadmap, an action list with dates and responsibilities, and reminders for key deadlines. We schedule check-ins to keep the plan on track.
Taxes can be one of the largest lifetime costs in retirement. A well-timed plan can reduce taxes over many years and can also lower the tax burden your beneficiaries may face on inherited tax-deferred accounts. It protects more of what you earned, now and later.
We Cover This and More:
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Order and timing of withdrawals across tax-deferred accounts
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Multi-year bracket management tied to those withdrawals
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Roth conversion analysis and timing windows
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RMD timing and qualified charitable distribution options
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Withholding or estimates to avoid penalties, plus what to document
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Lifetime planning that can reduce future taxes on inherited tax-deferred accounts
Build a tax-aware plan for saving and drawing income.
Let’s plan your retirement or early retirement spend-down for tax efficiency, growth, and peace of mind. Wherever you are, and wherever you’re headed.
Prepare your legacy. Coordinate taxes with wills, trusts, and gifts.